2015-07-20T14:50:28-07:00 2014-12-31 990 2014-01-01 590860768 STATE CHARTERED CREDIT UNIONS IN FLORIDA STAT 3216373120 1030 South US 1 Rockledge FL 32955 Margaret Hasenbeck VP of Accounting and Finance 3216903120 2015-06-18 2014 2016-02-25 16:41:14Z Community Credit Union of Florida 1030 South US 1 Rockledge FL 32955 25064221 0 X www.ccuflorida.org X 1953 FL Community Credit Union of Florida provides financial services to it's 37,944 members as of 12/31/2014. CCUFlorida is servicing 21,152 member loans and has a total of 74,840 deposit accounts. 5 5 104 5 54018 -45849 0 0 24869280 24649857 379671 358468 108994 55896 25357945 25064221 5350 38566 0 0 5535735 5632002 0 0 0 13341329 15606203 18882414 21276771 6475531 3787450 438404390 486218880 392078782 436649014 46325608 49569866 Community Credit Union of Florida is a member owned, not-for-profit, financial cooperative formed in 1953 by local educators. CCU of Florida has grown to more than 37,900 members, CCU's mission is to "Always improve the financial well-being of our members and make a positive difference in our community. 0 0 Loans receivable, interest earned on 21,152 loans. Offer financial services to 37,944 members in the form of deposit accounts, debit/atm cards, money orders, safe deposit boxes, wire transfers and many other services that are provided by Community Credit Union of Florida. Investments are used as a means of extra earnings on deposited funds that have not been utilized for any lending programs. 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 12443 0 1 104 1 1 1 0 0 0 0 0 X 5 5 0 0 0 0 1 1 0 1 1 0 0 1 0 0 1 1 1 0 FL X David O Brock 3216902328 1030 South US 1 Rockledge FL 32955 Henry Kelley Chairman of the Board 1 X 0 0 0 Dorotha Everhart Vice Chairman of the Board 1 X 0 0 0 Linda Dale Secretary/Treasurer of the Board 1 X 0 0 0 James Platman Director 1 X 0 0 0 Betty Dunn Director 1 X 0 0 0 David O Brock President/CEO 50 X 409468 0 26178 Laurie Cappelli Sr Vice President 50 X 152664 0 651 Jmaes Chastain VP of Commercial Services 50 X 113910 0 6385 Lesli Dooley VP of Organizational Development 50 X 128146 0 5773 David Hill VP Technology 50 X 118346 0 14998 Margaret Hasenbeck VP of Accounting and Finance 50 X 109047 0 15154 Meredith Gibson VP of Marketing 50 X 100804 0 6385 1132385 0 75524 7 0 1 0 FISERVE 75 Remittance Dr Chicago IL 60675 Debit Card Processing, and data processor 534866 Lending Solutions 2200 Point BV Elgin IL 60123 Member Calls and Loan Applications 583890 Digital Insight PO BOX 515306 Los Angeles CA 90051 On line Banking 440205 FIS PO BOX 30495 Tampa FL 33630 Credit Card Processing 416193 Florida Today PO BOX 677592 Dallas TX 75267 Advertising 396342 11 0 0 0 0 0 0 0 0 Membership Loan Interest 522130 19370488 19370488 0 0 Service Charges and Other Fees 522130 2990761 2962921 27840 0 Interchange Income 522130 2056863 2030685 26178 0 Loan Origination 522130 231745 231745 0 0 0 0 0 0 24649857 358468 358468 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 55896 55896 0 0 55896 25064221 25010203 54018 0 38566 0 0 0 1132534 0 3356133 78799 695582 368954 607192 123108 256513 0 0 0 0 1102101 1446707 1718645 0 537732 51676 0 198446 2025860 109389 646199 159526 Provision for Loan Losses 4385196 Gain or loss on RealEstate owned 233747 Other Loan Servicing 1510653 493513 21276771 0 0 0 2676857 2958503 39005493 52821604 0 0 1084765 1280660 0 0 347592402 387049108 0 10203984 9364613 18262244 9301848 8819283 8960396 0 0 25102982 19030006 0 0 3918624 4753990 438404390 486218880 14422455 19235686 377656327 417413328 392078782 436649014 X 0 0 0 0 46325608 49569866 46325608 49569866 438404390 486218880 X 3787450 0 0 0 0 -543192 X 1 X 1 X 1 0 0 3296641 3296641 0 7829282 2856378 4972904 0 237229 230249 6980 0 6899092 6215221 683871 0 0 0 0 8960396 Deposits to Members 417413328 417413328 25064221 0 0 0 0 0 25064221 0 0 0 25064221 21276771 0 0 0 0 0 21276771 0 0 0 21276771 1 Brevard Schools 2700 Judge Fran Jameson Way Viera FL 32940 592895155 501c3 38566 1 1 Schedule I, Part I, Line 2 The funds are for fund raising and other events and have specific purposes. X 1 1 X X X 0 1 0 David O Brock President/CEO 372663 0 36805 0 0 0 0 0 0 0 409468 0 0 0 Laurie Cappelli Sr Vice President 144052 0 8612 0 0 0 0 0 0 0 152664 0 0 0 Schedule J, Part I, Line 1a Auto Allowance Schedule J, Part I, Line 4 David Brock the CEO participates in a SERP plan. David O Brock CEO Serp Plan X 750456 1280660 0 1 1 1280660 Form 990, Part VI, Section A, Line 6 Community Credit Union has 37,944 members as of December 2014 Form 990, Part VI, Section A, Line 7a Membership participate in the election of the Board of Directors at the annual meeting held during the first quarter of every year. Form 990, Part VI, Section B, Line 11b The 990 is presented to the Board of Directors during the monthly meeting. A copy of the completed form and schedule is given to each board member and the preparer of the from goes over the return, answering any questions as they are presented. Form 990, Part VI, Section B, Line 12c All policies are reviewed annually by the Board of Directors Form 990, Part VI, Section B, Line 15 The compensation of the executive officer is determined by the board of directors annually. The board first conducts performance review, compensation survey study is completed. Contract negotiations are conducted between the CEO and the Board. Contract is drawn up, reviewed by legal. Then approved and signed. Form 990, Part VI, Section C, Line 19 Governing documents, conflict of interest policies and financial statements are not required disclosures pursuant of internal revenue code (IRC) section 6104. But, the organization posts the monthly financial statements in the lobby of each branch. Form 990, Part XI, Line 9 Change in Pension Plan I tried to file an Application for Extension of Time but I was a few days late and the form was denied. I have to review this report with the Board and the next meeting is in July.